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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,525 | $82,678-83.6% | $125,391-89.2% | $68,490-80.3% |
| Participation rate | 86.7% | 75.1%+11.6pp | 82.4%+4.3pp | 67.9%+18.8pp |
| Annual return | -16.59% | -5.97%-10.6pp | 572.41%-589.0pp | -7.85%-8.7pp |
| Employer contribution / active EE | $2,273 | $3,382-32.8% | $4,816-52.8% | $2,597-12.5% |
| Participant deferral / active EE | $5,741 | $6,111-6.1% | $7,448-22.9% | $4,028+42.5% |
| Admin fee / account holder | $1,704 | $6,277-72.9% | $10,009-83.0% | $5,403-68.5% |